Pooja GUPTA
Summary
Experienced and detail-oriented insurance underwriter with over 15 years of expertise in assessing risks and determining coverage policies across a wide range of insurance types. Proven track record in effectively evaluating property, casualty, life, and health insurance to ensure optimal risk management. Adept at analyzing complex data, conducting thorough risk assessments, and making informed decisions to protect both clients and the company\'s interests. Committed to delivering accurate underwriting solutions that align with industry regulations and meet the unique needs of policyholders.
Overview
15
15
years of professional experience
Work History
Underwriter Associate
The Graph Group
09.2018 - 06.2023
- Handled underwriting submission analysis for General/Professional Liability and Workers' compensation new and renewal applications
- Underwriting of Medical and non – Medical cases along with the Underwriters
- Assisting in calculating Premium for GLPL, Primary, Umbrella and Excess Insurance policies, to provide Insured extended Insurance Coverage
- Proficient in handling policy administration, claims processing and underwriting support in virtual settings, leveraging digital tools and technologies for seamless communication
- Summarize Quotes including analysis on Loss runs reports, Bed counts CMS rating, preparing and evaluating loss runs for GLPL submission, and provide to the Underwriter the loss analysis for final review
- Adhering to agreed TAT for processing the cases and all quality checks as per insurance guidelines
- Prepare certificates of Insurance (accords), endorsements, Binder & Policies for insurance policies
- Work on Quick Books to record all the premium transactions payments, Claims and other account transactions
- Calculation on Commission Statements for all brokers on the quarterly basis
- Actively participating in Company’s Annual Auditing along with the Auditors by providing all the financials and assist them with all the queries which help in finalizing the annual financial statement
- Coach and monitor Team in day-to-day operations
- Reconciliation on monthly basis and providing weekly reports to senior management and Underwriter
- Professional communication with Underwriter and clients on regular basis to provide
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Deputy Manager – Insurance Operation
AXA XL
01.2008 - 12.2018
- Worked with the team of Underwriters (based in US and European market) to support them in Catastrophic Pricing model
- Reviewing the submissions and Maintaining policy and claim files for the purpose of compliance, policy registration and issuance
- Created all policy forms using the applicable processing system (Worked on RMS and Risk Link Software's) to upload all the policy and application of different deductible options
- Responsible for Catastrophic pricing with all possible policy structures including Reinsurance, Co-insurance and application of aggregate / per occurrence / per locations deductible
- Managing team and motivating them to achieve deliverable in renewal months through planning and proactive approach
- In- depth knowledge in Catastrophic pricing with policy structure including Reinsurance, Co- insurance and application of aggregate / per occurrence/ per location deductibles
- Enhancement of underwriting knowledge through trainings, reference manuals
Education
BBA - Insurance and Banking
IP University
01.2006
Skills
- Risk assessment and Operations management
- Strong analytical and Financial Analysis skills
- Excellent communication and interpersonal abilities
- Policy Development according to the Regulatory Compliance
Technical Skills
- Proficient in MS Office Suite
(Excel, Work, Powerpoint)
- Familiarity with underwriting Software
(Quickbooks, CMS, Risk Browser, Risk Link and Basic SQL)
Timeline
Underwriter Associate
The Graph Group
09.2018 - 06.2023
Deputy Manager – Insurance Operation
AXA XL
01.2008 - 12.2018
BBA - Insurance and Banking
IP University
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